Hi,

I really enjoy your books and your message, especially the point about the “latte factor”.

I’ve been motivated to reduce our monthly “fixed” expenses and have had great success.

Some things I’ve done lately:

I got my credit card company to reduce my interest rate to 9% from 18%…what a huge difference that will make!

I called my DSL provider and asked them to extend to me, a long time customer, their new subsriber rate for 6 months…total savings of $180.

My husband and I incorporated our businesses to reduce our tax burden legally, and I started saving on our energy bill by using appliances at off peak times.

We stopped eating out weekly and now have a meal out once a month, and we appreciate it so much more now.

We’re making lattes at home instead of spending $3 at Starbucks.

I opened an online savings account that is linked to my checking account, and they even gave me $25 for doing so, and also give me $10 for each person I refer!

It’s very rewarding to see how little I can get away with spending every week, it’s almost like a game!

Thank you for your books and website David.

Sincerely,

Carrie Lauth
http://www.money-smart-women.com